Continuous compliance you can bank on

Get the secure infrastructure and suite of developer-friendly tools to unblock whatever's next. Protect your roadmap, scale, and worry less with Basis Theory.

bank vault icon
bank vault icon
Develop with flexibility

Enhance payment processes and partnerships with a compliant, customizable dev stack for bank data management.

Accelerate your launch

Skip the hassle of building your own security expertise. Launch with best practices and a fully compliant environment in minutes, not months.

Experiment responsibly

Enable new partnerships and ways to use bank account data while limiting access and ensuring compliance.

As a startup, we wanted to move quickly, but as a fintech we needed to securely store critical data. Basis Theory let us get up and running in a compliant way in just a few hours.

Sahil Hasan

CEO at Dots

From implementation to production, Basis Theory provides this perfect blend of configurability and abstraction. That’s given Milk Moovement a strong security posture that’s impressing both our partners and our product teams.

Thomas Moore

Team Lead at Milk Moovement

The security and infrastructure Basis Theory provides makes it easier to get new use cases approved by our financial partners.

Aviv Sarangi

Director of Payments at Melio

A vault your bank partners wished they'd built

Use flexible tools and services to unlock new products, partnerships, and services without exposing your system to bank account data.

Basis Theory data vault
Basis Theory data vault
Basis Theory data vault
Basis Theory data vault
Collect

Flexible web and mobile form components and customizable API endpoints to collect bank account data.

Store

Store and maintain account numbers and other bank data in a secure and compliant way.

Share

Transfer files to partners, validate accounts with vendors, and share data with financial institutions without involving your systems.

Frequently Asked Questions

How does Basis Theory work with companies, like Plaid?

Holding bank and PII data carries risks, but it also offers the level of control needed to optimize payment flows, switch vendors, meet Know Your Customer (KYC) or Business (KYB) requirements, monitor for fraud, and more.‍

Securing this sensitive data with Basis Theory and using services, like Proxy, allows customers to maintain flexibility without disrupting downstream vendors or exposing sensitive data to your systems.

You can learn more about sharing data with Basis Theory.

What are the data protection requirements for originators and receivers when it comes to securing bank account information in the United States?

Nacha, the regulatory and enforcement arm governing bank transfers in the US, requires all originators and third parties with transaction volumes greater than 2 million to render account details unreadable at rest. Tokenization can help.

Learn more about the requirement and our partnership with Nacha

Does Basis Theory generate bank transfers or ACH files?

Basis Theory provides a serverless environment for customers to use new or existing code to transform and route payloads to any destination. This allows customers to meet various formatting requirements and validation checks of any API endpoint or SFTP server.

Safely

accept

collect

manage

share

accept

manage

card data.

Jump out to an early lead. Explore, iterate, and scale regulated products faster than the competition.

Safely

accept

collect

manage

share

accept

accept

card data.

Jump out to an early lead. Explore, iterate, and scale regulated products faster than the competition.

Safely

accept

collect

manage

share

accept

accept

card data.

Jump out to an early lead. Explore, iterate, and scale regulated products faster than the competition.